Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
   2      16 oz cans    refried beans
   1      pound         lean ground beef
   1      envelope      taco seasoning mix
     3/4  cup           water
   1 1/2  cups          lettuce -- , shredded
   2      cups          cheddar cheese -- shredded
   1      jar           Old El Paso chunky salsa
                        -----toppings-----
                        sour cream
                        guacamole
                        black olives -- , sliced
                        tortilla chips

Preparation:

Spread refried beans on bottom of 14" serving platter. Brown ground beef in skillet on medium heat; drain. Add taco seasoning mix and water. Cook and stir on medium heat 10-15 minutes. Spread over refried beans. Arrange layers of lettuce, salsa and cheese on top of meat. Garnish with desired toppings. Serve with tortilla chips. Makes 14-16 appetizer servings.